Dear Washington DC CFP Board, LPL Financial, Morgan Stanley (James Gorman, John Burns, Joel Leslie Konigsberg) and GLOBAL FRIENDS:
I was so honored to meet with my Congresswoman since 1999, Jan Schakowsky, last September, 2022, at Agudah, Illinois. The Orthodox Jewish organization / philanthropy met to honor Representative Schakowsky (IL-D-9th) for her more than two decades of service to the citizens of Illinois' 9th Congressional District. As I had shared a hometown of Evanston, IL with Jan Schakowsky for many, many years, it was fun to see Representative Schakowsky bestowed with this honor.
It was really a pleasure to be with Jan's mature-beyond-his-years communications director, for whom I share Northwestern University Communications and Journalism in common, as well as Jan's super loyal District Director, who has been with Representative Schakowsky since Day One in our 9th Congressional District.
Please read about the wonderful Orthodox Jewish organization who sponsored Jan to honor her -
https://agudah.org/about/
I also had the opportunity, last September 2022, to let Jan know that I was friends with her opponent, a young Orthodox Jewish man, and that we all wanted to build unity and non-partisan coalitions going forward, after the horrors and shameful missteps of shutting the world down for 3 years in Illinois.
More recently, in May 2023, I am beyond overjoyed that Jan Schakowsky is at the Capital speaking out nationally on DISABILITY RIGHTS and PROTECTIONS FOR THE CHRONICALLY MENTALLY ILL. Please watch Jan Schakowsky's latest "Jan's Pans and Plans" here --
https://www.youtube.com/watch?
I concur 100 percent with this episode of "Jan's Plans and Pans". When it is often the case that the Chronically Mentally Ill are living on only $1200.00 a month Social Security Disability Income, fully functioning Public Government and Private Enterprise are essential to ensuring that our most Vulnerable Adults in Illinois have all of their supplemental income needs met!
Jan Schakowsky's "Jans Plans and Pans" really hit home for me last week, May 27, 2023, as my clients since 2010, Helen Ramirez-Odell, died last year, and her only beneficiaries are a Disabled / Chronically Mentally Ill / Special needs daughter, and a Disabled / Chronically Mentally Ill / Special needs grandson. Jan Schakowsky could not have been any more timely in her pinpointing VULNERABLE ADULTS and PROTECTING VULNERABLE ADULTS in Illinois and the USA.
My client. Helen Ramirez-Odell, a public figure and renowned author, public speaker, nurse, nurse educator, mental health advocate, women's advocate, etc., scrimped and saved to amass an impressive fortune MEANT TO LAST HER DISABLED BENEFICIARIES ON FREE GOVERNMENT BENEFITS FOR THE NEXT 50+ YEARS.
To use Jan Schakowsky's example, a woman with Chronic Mental Illness from Illinois' 9th Congressional District called her in tears because of how hard it is to live on Social Security Disability Income alone (i.e. $1200.00 a month, free government income).*
*This is exactly why my client, Helen Ramirez-Odell, entrusted me for 12 years as her CERTIFIED FINANCIAL PLANNER™ and Investment professional, to make sure that her Disabled / Special Needs direct beneficiaries had enough supplementary income each mother to last them for FIVE DECADES TO COME. We did Special Needs / Disability income planning for 12 years, right up until a month before Helen Ramirez-Odell unexpectedly died. AND THEN THE UNTHINKABLE HAPPENED.
Bad actors, Illinois politicians, the trustees and two LPL Financial Financial Advisor who Helen Ramirez-Odell had strongly rejected 3 years earlier, moved in on my deceased clients' Special Needs beneficiaries and estate. The unethical people hijacked and misappropriated Helen Ramirez-Odell's death to do PARTISAN POLITICAL FUNDRAISING and RAISE MONEY USING HER NAME WITHOUT HER PERMISSION AND AGAINST HER ESTATE PLANNING DOCUMENTS.
All the while, the trustees and sneaky LPL Financial Advisors were doing Financial and Legal transactions in my deceased clients' estate (without reporting her death to me, LPL Financial or Helen's other Financial custodians). Rubin Law (Brian Rubin and Benjamin Rubin), Blyth & Associates (William J. Blyth and Robert F. Blyth) and DayOne PACT (multiple trustee representatives from the Lisle, Illinois organization) are on 100 percent PUBLIC RECORD transacting in my deceased clients' estate WHILE WITHHOLDING HER DEATH FROM ME, THE CERTIFIED FINANCIAL PLANNER™ and from LPL Financia, the firml.
Congresswoman Schakowsky, please take careful note from me, Lisa Ditkowsky, CFP®, your longtime STELLAR, IMPECCABLE CERTIFIED FINANCIAL PLANNER™ constituent, that my deceased clients' two Disabled Mentally Ill heirs are under extreme undue influence, and within a month of Helen Ramirez-Odell dying, bad actors propagandized Mrs. Odell's passing and exerted undue influence over her disabled daughter who had ALWAYS had a good relationship with me over 12 years. It is now 14+ months after Helen has passed away, and 1) LPL Financial moved Helen Ramirez-Odell's five accounts last month (April, 2023) with FIVE FRAUDULENT, NON-COMPLIANT "ADOBE FONT" signatures of Murietta, CA supervisor John Scarabino.
In the securities industry, Accounts can only be moved with wet signatures or Docusign signatures with envelope IDs through the official compliance systems for processing wet signatures and DocuSign signatures with envelope IDs. LPL Financial General Counsel refused to provide me valid counterparty signatures or a legal letter showing why they were letting John Scarabino use five fraudulent signatures.
Congresswoman Schakowsky, this is compounded by the fact, that the other wealth of Ms. Helen Ramirez-Odell has now seemingly gone missing, since April, 2023, at Corebridge Financial. Just last week, Corebridge followed up on my April, 2023 Fraud report and said they COULD NOW NOT EVEN LOCATE THE ACCOUNTS. 
ON THE MAY 27, 2023 EPISODE OF JAN SCHAKOWSKY'S "JAN'S PLANS AND PANS", CONGRESSWOMAN SCHAKOWSKY HIGHLIGHTED THE VERY REAL PROBLEM OF THE DISABLED IN ILLINOIS / USA LIVING ON SMALL SOCIAL SECURITY DISABILITY MONTHLY PAYMENTS. THIS IS EXACTLY THE REASON, I AM FOLLOWING THROUGH WITH MY WORD TO HELEN RAMIREZ-ODELL TO MAKE SURE HER AMPLE ESTATE IS SETTLED PER HER WISHES FOR HER TWO DISABLED / CHRONICALLY MENTALLY ILL BENEFICIARIES AND NOT MISAPPROPRIATED, AS HAS BEEN THE CASE.
ON THE MAY 27, 2023, CONGRESSWOMAN JAN SCHAKOWSKY (IL-D-9th), FOR THE SECOND TIME LAST WEEK, INTRODUCED THE WORLD TO "JANET" AND SAID "SHE HAS CHRONIC MENTAL ILLNESS". THIS WAS VERY EYE-OPENING, AS BI-PARTISAN POLITICAL PARTIES UNITED TO RAISE THE FEDERAL DEBT CEILING LAST WEEK, FOR THE NEXT TWO YEARS. HOWEVER, WHAT IF A MOTHER DIES, AND HER ONLY BENEFICIARIES ARE MENTALLY ILL AND ON ALL GOVERNMENT BENEFITS. IT BECOMES A MORAL MANDATE FOR THE CERTIFIED FINANCIAL PLANNER™, ME, LISA DITKOWSKY, CFP®, TO FULFILL MY ETHICAL AND INTEGRITY OBLIGATIONS TO MY DECEASED CLIENT, HELEN RAMIREZ-ODELL. HELEN DID NOT WANT HER LEGACY AND ESTATE TO BE HIJACKED FOR PARTSIAN POLITICAL GAMES. HELEN WANTED EVERY DOLLAR AND EVERY CENT OF HER ESTATE TO GO ONLY TO HER SPECIAL NEEDS FAMILY TRUST FOR HER DISABLED / CHRONICALLY MENTALLY ILL HEIRS.
This did NOT happen, Congresswoman Schakowsky. I reported FRAUD in Helen Ramirez-Odell's accounts, and two other client accounts, last August 2022. I reported the FRAUD to multiple Compliance, Legal and Risk employees of LPL Financial and to my missing-in-action Supervisor, Loren Scott Kyes and the Advisory Compliance Supervisor, Kristen Wasilewski-Mirabal. Do you know what the corrupt LPL Financial home office Supervisory team did? They proceeded to commit more illegal acts and fraud in clients' accounts. I implored them for help in getting to the bottom of this, and wrote them emails that I could not reach Helen Ramirez-Odell or Moira Melendez, and that the other clients were out-of-state buying a house and were furious that their large retirement accounts were shut down for no reason.
Their answer was for LPL Financial supervisor, Loren Scott Kyes to tell me, "I have nothing to do with Advisory accounts. I can't help you." and for Kristen Wasilewski-Mirabal to write me trading / rebalance mandates in three accounts that did NOT need rebalancing.
CONGRESSWOMAN SCHAKOWSKY, ON MAY 22, 2023, COREBRIDGE FINANCIAL (WHO I REPORTED HELEN'S DEATH TO ON THE MORNING OF OCTOBER 20, 2022 AND REPORTED FRAUD TO, AS THEY NOTED SUSPECTED FRAUD IN APRIL, 2022, IN APRIL 2022, CAME BACK TO ME A MONTH+ LATER, AND NOW CANNOT EVEN LOCATE MY DECEASED CLIENTS' ACCOUNTS' WHICH WERE THERE BETWEEN OCTOBER 2022 AND APRIL 2023?
CONGRESSWOMAN SCHAKOWSKY, I REPORTED THE FRAUD IN THE HELEN RAMIREZ-ODELL LPL FINANCIAL ACCOUNTS GOING BACK TO AUGUST OF 2022, AND AFTER LPL, THE FIRM, AND I, Lisa Ditkowsky, CFP®, LEARNED OF HELEN'S PASSING ON OCTOBER 19. 2022, IT WAS LEARNED THAT RUBN LAW, DAYONE PACT, AND BLYTH & ASSOCIATES WERE ON ILLINOIS RECORDS TRANSACTING IN MY DECEASED CLIENTS' ESTATE WITHOUT EVER INFORMING ME, THE CFP®, OR HELEN'S FINANCIAL CUSTODIANS / FIRMS OF HER PASSING! THIS IS AGAINST THE LAW TO DO LEGAL AND FINANCIAL WORK IN A DECASED CLIENTS' ESTATE AND NOT REPORT HER DEATH TO THE FINANCIAL ADVISOR AND FINANCIAL FIRMS WHO WERE WELL-KNOWN TO THE RUBINS AND THE BLYTHS.
The willful and intentional fraud, undue influence over the Disabled / Special Needs / Mentally Ill, and concealment of the well-off client's death is INCOMPREHENSIBLE and UNCONSCIONABLE.
And here we are 14 months later, NO ONE EVER CLAIMED ANY OF THE ACCOUNTS UP TO 14 MONTHS AFTER HELEN RAMIREZ-ODELL'S DEATH, AND LPL FINANCIAL MOVED HELEN'S ACCOUNTS WITH FIVE ILLEGITIMATE FAKE SIGNATURES. NOW COREBRIDGE FINANCIAL COMES BACK FROM THE APRIL 2023 FRAUD REPORT AND CLAIMS IT CANNOT EVEN FIND HELEN'S INTENDED-FOR-HER-SPECIAL-
LPL Financial and CFP Board you MUST make the CFP Board CEASE & DESIST the incessant harassment and business interference of Lisa Ditkowsky, CFP®, or I will have no choice but to hold LPL Financial (NYSE: LPLA) and the CFP Board fully accountable for legal malpractice and for aiding and abetting FRAUD, CORRUPTION, EXPLOITATION OF THE DISABLED / MENTALLY ILL / SPECIAL NEEDS BNEIFICIARIES AND MONEY LAUNDERING. By law, I was entitled to valid counterparty signatures to my wet signatures and knowing you claimed my deceased clients five LPL Financial accounts that Helen Ramirez-Odell entrusted me to manage (for TWELVE YEARS) and carry out her Estate Planning wishes and intentions.
CFP Board - It is NOT lost on me and my partners in protecting the estate planning wishes and intent of my friend, Helen Ramirez-Odell, so that her Disabled heirs get ALL OF THE ASSETS SHE LEFT THEM, that CFP Board's Erik Nicholaus Frias (attorney), Erin Ardale Koeppel, (GC of CFP Board Disciplinary and Ethics Commission) and Leo Rydzewski (GC of CFP Board) and Kevin R. Keller (CEO) are protecting the Financial Planners and Supervisors, and people doing the illegal activity in my deceased clients' estate / accounts. CFP Board has clearly become politically weaponized by the foreign governments that have taken over Morgan Stanley (Joel L. Konigsberg Twitter came up in ARABIC), and that have rushed to offshore ATRIA WEALTH and BREAN ASSET MANAGEMENT / BREAN CAPITAL this year. I have sourced boatloads of collusion between ATRIA WEALTH, it's SIX BROKER DEALERS, USA FEDERAL CREDIT UNIONS IT HAS SUDDENLY OFFSHORED, BREAN AND LPL FINANCIAL.
When I provided hundreds of pages of HIGHLY CONFIDENTIAL reports to LPL Financial (NYSE: LPLA) of completely falsified FINRA BrokerCheck reports and securities exam licensing and backdating throughout LPL Financial, Brean and ATRIA Wealth, LPL Financial gave my HIGHLY CONFIDENTIAL REPORTS (meant to protect me, my business, my LPL clients, my LPL clients' beneficiaries and LPL Financial, the firm) to our ENEMIES, foreign and domestic. Tusli Gabbard and Marsha Blackburn, I hope you are reading this, and the firms immediately disappeared $700M. Meanwhile, nothing was done by LPL Financial to help Helen Ramirez-Odell's two Chronically Mentally Ill, Special Needs beneficiaries, get their intended Special Needs Family Trust assets claimed for them.
1) My client was a PUBLIC FIGURE AND HER DEATH WAS ALSO VERY PUBLICLY POLITICIZED FOR UNETHICAL FUNDARISING, WHILE Helen Ramirez-Odell's Disabled beneficiaries suffered. Congresswoman Schakowsky, it was DISGUSTING AND APPALING what Governor JB Pritzker, Rep Michael Kelly and Senator Ram Villivalam did by MONETIZING MY DECEASED CLIENT FOR PARTISAN POLITICAL FUNDRAISING, while colluding with people within LPL Financial, The Rubins and DayOne PACT to CONCEAL Helen Ramirez-Odell's passing from me and LPL Financial, the firm, and the Chicago Public Schools / Chicago Teacher's Union / Retired Teacher's Association of Chicago 's Annuity provider, Corebride Financial.
2) CFP Board - I DID Helen Ramirez-Odell's Estate Planning with her over the years, and had Financial partners and employees, and other as witnesses to her TRUST, POUROVER WILL AND LETTER OF INTENTION (all drafted c/o Brian Rubin and Benjamin Rubin together with me and Helen, and I also met with them alone at Helen's bequest). And since anyone can clearly see that Rubin Law opened a PROBATE Estate in Helen Ramirez-Odell's name on 07/08/2022, it is 100 percent public that (even though Helen Ramirez-Odell wanted to avoid a Probate estate at all costs), Rubin Law opened one in her name -
"A revocable living trust is an instrument used to place assets of an estate to avoid probate. The trust is set up an all assets are placed into it. You are not the owner anymore. The trust becomes the owner of the estate, but you can revoke your permission or change the status of the assets until your death.
When a trust is set up correctly, there is no need to go through probate. Whoever you have named as the beneficiary of the trust will automatically become the owner of the assets. The court doesn’t need to oversee transfer of ownership for the assets, which are placed into the trust."
Source (05/29/23) - https://probateadvance.com/
3) Anyone can read Helen's Estate Planning, because attorney Brian Rubin made it 100 percent public (but why did he wait 3.5 months after my client passed to file a probate estate and proceed to spend 3 months claiming and selling properties, while concealing Helen's death from LPL Financial, the firm, and me, Lisa Ditkowsky, CERTIFIED FINANCIAL PLANNER™. These questions must be ASKED and must be ANSWERED. Helen wanted 100 percent of he money / accounts to go to her Disabled / Mentally Ill beneficiaries. This is ALL ON PUBLIC RECORD IN COOK COUNTY, ILLINOIS. Even her contingent beneficiary is the National Association for Mental Illness. This was Helen Ramirez-Odell's number one cause because her best friend and number one cause was her Special Needs / Mentally Ill daughter! The two of them did Legislative Sessions and public work together to destigmatize Mental Illness. This was Helen's number one cause with Nursing and more Nurses and Loyola School of Nursing being Helen's second Contingent beneficiary.
4) Nowhere in Helen Ramirez-Odell's estate planning did it say that Helen wanted her legacy and used for political fundraising and all of her accounts to sit unclaimed for 14 months, withholding valuable supplemental income from Helen's Special Needs beneficiaries on limited government Disability Income. Congressman Schakowsky, it was cruel and unusual greed for a group of old / middle aged men to hijack and hold up Helen's beneficiaries' supplemental Disability income funds for well over one year! This is unheard of, and the height of greed and abuse of Vulnerable Adults.
5) Clearly, the Blyth Brothers, who Helen Ramirez-Odell ABSOLUTELY 100 PERCENT DID NOT EVER WANT HANDLING HER ACCOUNTS / ESTATE, AND THE TRUSTEES HAVE THE NEXT 50 YEARS OF DOLLAR SIGNS IN THEIR EYES. One of the reasons Helen Ramirez-Odell was trying to change Trustees in 2021 (to LPL Financial's The Private Trust Company) is that Rubin Law had been out of touch for THREE YEARS. The other reason was the EXORBITANT FEE SCHEDULE of DayOne PACT plus the Rubins. DayOne PACT's Life Management and mileage fees are outlandish for a not-for-profit for the Mentally Ill - https://www.dayonepact.org/
5) Congresswoman Schakowsky, as a vocal advocate protecting those with Chronic Mental Illness on fixed and modest government Disability Income, those of us who worked with Helen and knew her and her Certified Financial Planning well since 2010, are hoping you will instruct the Washington DC CFP Board to Cease and Desist harassment and defamation of me as a mandated fraud / AML reporter, and make sure that Helen Ramirez-Odell's Chronically Mentally Ill, Disabled, cherished beneficiaries get all of the wealth that their mother / grandmother left them.
6) Congresswoman Schakowsky, you may call me, and I my fellow professionals and I will go over all of Helen Ramirez-Odell's accounts and estate plan with you so that you can help Helen's Disabled heirs just like you are helping Celly and Janet.
And, thank you, Congresswoman Schakowsky, for helping the United States of America, to reach a debt deal to keep many of our most vulnerable more secure for the next couple of years.
Illinois Representatives Michael Kelly and Ram Villivallam, you should both be ashamed of yourselves for agreeing to push through Illinois House Resolutions and Senate Bills on Helen Ramirez-Odell for partisan political fundraising without knowing Helen, without knowing that her CFP®, Wealth Management firms and likely her trustees, had NOT even been informed of Helen's passing. You both get numerous facts just plain wrong. You also fail to mention Helen's two main causes, after her Disabled beneficiaries, of course, 1) MENTALL ILLNESS 2) NURSING. YOU DO NOT EVEN MENTION THAT Helen Ramirez-Odelll's beneficiaries are DISABLED and on GOVERNMENT DISABILITY INCOME. Your hijacking of my friend and my client's passing / legacy for your own partisan self-interest, ahead of Helen's own flesh and blood (and the only people she wanted to benefit) is despicable.
NOTE TO CFP BOARD's DISBARRED (FROM DC FEDERAL COURTS) ATTORNEY, Erik Nicholaus Frias) - You should be disbarred from the DC Bar entirely for you defamatory lies, protection of criminal activity, repeating falsities after you are corrected, making things up, and wrong and ignornat understanding of FAIR USE, SEC. 107, United States COPYRIGHT ACT governing Critical News Analysis and Commentary on public and published items.
Furthermore, Erik Nicholaus Frias, my LinkedIn account was clearly marked for Journalism Only and "NOT my Business Account". The Personal account had taken off the CFP® registered trademark when I took down my business account in late 2021. YOU LIE AND DEFAME, CFP Board, WHEN YOU CONTINUE TO SAY, FALSELY, THAT I USED THE CFP® MARK WHEN I DID NOT.
The following is political propaganda (like CCP propaganda). My deceased client would be horrified. She was laid to rest with her second husband (
Military: US Army-Sergeant First Class-1st Cavalry Div. 7th Cavalry Regt. (Infantry) OCC Medal (Japan) CIB KSM w/5 Bronze Stars, National Guard. per Dignity Memorial) at
Abraham Lincoln National Cemetery.
I was thinking of, and praying for, both Helen and Paul, on May 29, 2023, Memorial Day in the USA. My heart and prayers are with the Ramirez-Odell families, as we head into Independence Day, July 4, 2023
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